Citi product change success

I called the number on the back of my card fully expecting a no because I have called twice in the past. I have the Citi Platinum Select with no rewards but a low 6.74%. It's been sitting in my safe unused for more than 6 months.

CSR asked what card I was interested in so I told him Citi Thank You Preferred. Then he asked if I wanted Visa or Mastercard so I told him Mastercard. It took a while and I listened to him read the disclosures. The change wont fully take place until Oct. 20. To my surprise the APR is staying the same.

I'm pretty happy as this is the only Mastercard I have and I was prepared to just let the card close for inactivity.

Re: Citi product change success

I called the number on the back of my card fully expecting a no because I have called twice in the past. I have the Citi Platinum Select with no rewards but a low 6.74%. It's been sitting in my safe unused for more than 6 months.

CSR asked what card I was interested in so I told him Citi Thank You Preferred. Then he asked if I wanted Visa or Mastercard so I told him Mastercard. It took a while and I listened to him read the disclosures. The change wont fully take place until Oct. 20. To my surprise the APR is staying the same.

I'm pretty happy as this is the only Mastercard I have and I was prepared to just let the card close for inactivity.

Read over the new terms carefully when you get them. I tried this exact same conversion and the CSR on the phone told me my APR would stay the same, but the new card terms had a higher APR. Luckily they send out the terms before the conversion takes effect, so I was able to cancel the conversion and keep my low interest rate!

Re: Citi product change success

I called the number on the back of my card fully expecting a no because I have called twice in the past. I have the Citi Platinum Select with no rewards but a low 6.74%. It's been sitting in my safe unused for more than 6 months.

CSR asked what card I was interested in so I told him Citi Thank You Preferred. Then he asked if I wanted Visa or Mastercard so I told him Mastercard. It took a while and I listened to him read the disclosures. The change wont fully take place until Oct. 20. To my surprise the APR is staying the same.

I'm pretty happy as this is the only Mastercard I have and I was prepared to just let the card close for inactivity.

Read over the new terms carefully when you get them. I tried this exact same conversion and the CSR on the phone told me my APR would stay the same, but the new card terms had a higher APR. Luckily they send out the terms before the conversion takes effect, so I was able to cancel the conversion and keep my low interest rate!

Okay, I will check but I am pretty sure the APR is the same because when I login it's still the same. Either way I will accept any APR because I PIF. I'm just glad to have a reward Mastercard in my wallet.

Re: Citi product change success

Okay, I will check but I am pretty sure the APR is the same because when I login it's still the same. Either way I will accept any APR because I PIF. I'm just glad to have a reward Mastercard in my wallet.

My APR didn't change online either (I'm guessing it doesn't change until the PC actually takes effect). I always PIF, but I still wanted to keep one low APR card incase I ever have an emergency!

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